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In the near future, Suzhou and Nanjing have issued a restrictive policy on credit card down payment in Suzhou and Nanjing, and the central bank's new regulations on bank card fees will be formally implemented in September 6th. These policies have significantly increased the threshold for the planned use of credit cards to pay a first payment for a house.
has previously shared many cases of successful use of credit cards to complete capital turnover and smooth payment of down payment. For example, Xiaojing shared her 250 thousand payment by credit card, which successfully solved the problem of capital turnover. The idea of buying a house is after the marriage period of a little crystal and a fiance. "As we get married,
all wholesale, we are going to get together to buy a suite. I'd like to wait until I sell one of the rooms I bought before I get married, and then I start to see the house, who knows that the money is not in place, but the house prices are going up, it's just too late."
Xiaojing consulted the real estate company and decided to fill the vacancy with a credit card. "First, I used two credit cards to deposit a deposit of 100 thousand yuan. A month later, the last house was delivered successfully, just to fill the previous 100 thousand yuan vacancy and part of the down payment. At this point, the first payment is 150 thousand. At that time,
Clarks Shoes Online Outlet, my bank financing was only due to expire in half a month, so I brushed it with my boyfriend's credit card again. Half a month later, Xiao Jing took out the money he had bought and lost his credit card. Xiaojing achieved capital turnover through credit cards and became a successful case of credit card buying.
, however, using credit cards to buy a house is not always so convenient. There is another negative case in the window of digging credit cards. Netizen crystal cat wants to buy a 800 thousand shop for investment. Shops can rent for rent when they buy it, which makes crystal cats very excited. But at this time there was no cash on hand,
Designer Shoes, he used family credit card 800 thousand of the amount used for credit card buying. The net friend gives him a sum of accounts, credit card 800 thousand, the installment can be divided into 24 months to pay off (not exclude some banks do not allow the staging situation), each month should be more than 30 thousand yuan, plus formalities, estimated to be more than 40 thousand. The monthly income of the crystal cat is only 10 thousand, and the other 30 thousand can only be compensated by rent. The uncertainty of the rental income has led to many twists and turns in her later repayment process.
dug credit card housekeeper reminds us that credit card is essentially a small short term loan. If it is used for large purchase, there are many problems, such as short cycle and high repayment pressure. Credit card can only serve as a supplementary role of capital, and can not rely solely on credit card to buy a house. At the same time, the choice of credit card buying should pay attention to the following risks:
one, some cities and banks do not allow credit cards to buy houses
in April this year, Suzhou issued the "housing eight",
Cheap Ed Hardy, stipulates that the first payment can not overdraw credit card. In May, Nanjing issued a new regulation in the financial field, and put forward a close attention to Shoufu loans and letters of heavy real estate.
